@prefix gnd: <https://d-nb.info/gnd/> .
@prefix rdfs: <http://www.w3.org/2000/01/rdf-schema#> .
@prefix skos: <http://www.w3.org/2004/02/skos/core#> .
@prefix zbwext: <http://zbw.eu/namespaces/zbw-extensions/> .
@prefix wd: <http://www.wikidata.org/entity/> .
@prefix dc: <http://purl.org/dc/terms/> .
@prefix ns0: <http://purl.org/ontology/gbv/> .
@prefix void: <http://rdfs.org/ns/void#> .
@prefix owl: <http://www.w3.org/2002/07/owl#> .

gnd:4133707-4
  rdfs:label "Aktivkredit"@de ;
  skos:prefLabel "Aktivkredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://dbpedia.org/resource/Credit>
  rdfs:label "Kredit"@de, "Credit"@en ;
  skos:prefLabel "Kredit"@de, "Credit"@en ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/12251-1> .

skos:scopeNote
  rdfs:subPropertyOf skos:note ;
  skos:definition "A note that helps to clarify the meaning and/or the use of a concept."@en ;
  rdfs:label "scope note"@en .

<http://zbw.eu/stw/descriptor/29625-1>
  skos:prefLabel "Loan rate"@en, "Kreditzins"@de ;
  rdfs:label "Kreditzins"@de, "Sollzins"@de, "Effektivzins"@de, "Prime rate"@en, "Effective interest rate"@en, "Lending rate"@en, "Loan rate"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/12255-0>
  rdfs:label "Trade credit"@en, "Lieferantenkredit"@de, "Warenkredit"@de, "Supplier financing"@en ;
  skos:prefLabel "Trade credit"@en, "Lieferantenkredit"@de ;
  a zbwext:Descriptor, skos:Concept ;
  skos:broader <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/10865-4>
  rdfs:label "Exportkredit"@de, "Export credit"@en, "Ausfuhrkredit"@de ;
  skos:prefLabel "Exportkredit"@de, "Export credit"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:broader <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/13430-3>
  rdfs:label "Agricultural credit"@en, "Agrarkredit"@de, "Rural credit"@en, "Landwirtschaftskredit"@de ;
  skos:prefLabel "Agricultural credit"@en, "Agrarkredit"@de ;
  a zbwext:Descriptor, skos:Concept ;
  skos:broader <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/12251-1>
  skos:broader <http://zbw.eu/stw/thsys/71045>, <http://zbw.eu/stw/thsys/187370> ;
  skos:narrower <http://zbw.eu/stw/descriptor/29632-4>, <http://zbw.eu/stw/descriptor/13430-3>, <http://zbw.eu/stw/descriptor/19399-4>, <http://zbw.eu/stw/descriptor/12250-3>, <http://zbw.eu/stw/descriptor/12255-0>, <http://zbw.eu/stw/descriptor/10865-4>, <http://zbw.eu/stw/descriptor/29630-1>, <http://zbw.eu/stw/descriptor/13780-4>, <http://zbw.eu/stw/descriptor/10812-4> ;
  skos:narrowMatch gnd:4133707-4, gnd:4138448-9, gnd:4166702-5, gnd:4161616-9, gnd:4165581-3, gnd:4272150-7, gnd:4133705-0, gnd:4131401-3, gnd:4120969-2, gnd:4277815-3, gnd:4570114-3, gnd:4121227-7, gnd:7524757-4, gnd:4180128-3, gnd:4145805-9, gnd:4237421-2, gnd:4173893-7, gnd:4162251-0, gnd:4318121-1, gnd:4168138-1, gnd:7754184-4, gnd:4364743-1 ;
  a zbwext:Descriptor, skos:Concept ;
  skos:scopeNote "Use more specific descriptors whenever possible."@en, "Möglichst spezifischer indexieren."@de ;
  skos:exactMatch <http://eurovoc.europa.eu/285>, <http://dbpedia.org/resource/Credit>, gnd:4032923-9, <https://data.gesis.org/thesoz/concept_10040501>, wd:Q182076, <http://aims.fao.org/aos/agrovoc/c_1954>, <https://data.gesis.org/thesoz/concept_10040499> ;
  skos:inScheme <http://zbw.eu/stw> ;
  rdfs:label "Loan"@en, "Credit"@en, "Darlehen"@de, "Kredit"@de ;
  skos:prefLabel "Kredit"@de, "Credit"@en ;
  skos:altLabel "Loan"@en, "Darlehen"@de ;
  skos:relatedMatch gnd:4165570-9, gnd:4165568-0, gnd:4165580-1, gnd:4011058-8, wd:Q189539, gnd:4263479-9 ;
  skos:closeMatch <http://eurovoc.europa.eu/2606> ;
  skos:related <http://zbw.eu/stw/descriptor/18178-4>, <http://zbw.eu/stw/descriptor/29625-1>, <http://zbw.eu/stw/descriptor/10019-1>, <http://zbw.eu/stw/descriptor/18696-3>, <http://zbw.eu/stw/descriptor/18698-6> ;
  dc:isPartOf <http://zbw.eu/stw> ;
  ns0:gvkppn "091372720" .

gnd:4138448-9
  rdfs:label "Konsortialkredit"@de, "Konsortialdarlehen"@de ;
  skos:prefLabel "Konsortialkredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4364743-1
  rdfs:label "Kurzfristiger Kredit"@de ;
  skos:prefLabel "Kurzfristiger Kredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/18698-6>
  rdfs:label "Kreditpolitik"@de, "Credit policy"@en, "Kreditpolitik der Zentralbank"@de ;
  skos:prefLabel "Kreditpolitik"@de, "Credit policy"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4237421-2
  rdfs:label "Unverzinsliches Darlehen"@de, "Zinsloses Darlehen"@de ;
  skos:prefLabel "Unverzinsliches Darlehen"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4165570-9
  rdfs:label "Kreditausweitung"@de, "Kredit / Ausweitung"@de, "Kreditexpansion"@de ;
  skos:prefLabel "Kreditausweitung"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/12251-1> .

skos:closeMatch
  rdfs:subPropertyOf skos:mappingRelation ;
  skos:definition "skos:closeMatch is used to link two concepts that are sufficiently similar that they can be used interchangeably in some information retrieval applications. In order to avoid the possibility of \"compound errors\" when combining mappings across more than two concept schemes, skos:closeMatch is not declared to be a transitive property."@en ;
  rdfs:label "has close match"@en .

wd:Q182076
  rdfs:label "credit (finance)"@en, "Geldverleih"@de, "credit"@en, "Kredit"@de ;
  skos:prefLabel "credit"@en, "Kredit"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4272150-7
  rdfs:label "Offene Kreditlinie"@de ;
  skos:prefLabel "Offene Kreditlinie"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4161616-9
  rdfs:label "Industriekredit"@de, "Industriebetrieb / Kredit"@de ;
  skos:prefLabel "Industriekredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

skos:exactMatch
  rdfs:subPropertyOf skos:closeMatch ;
  skos:definition "skos:exactMatch is used to link two concepts, indicating a high degree of confidence that the concepts can be used interchangeably across a wide range of information retrieval applications. skos:exactMatch is a transitive property, and is a sub-property of skos:closeMatch."@en ;
  rdfs:comment "skos:exactMatch is disjoint with each of the properties skos:broadMatch and skos:relatedMatch."@en ;
  rdfs:label "has exact match"@en .

gnd:4165581-3
  rdfs:label "Kreditlinie"@de, "Kreditfazilität"@de, "Kreditlimit"@de ;
  skos:prefLabel "Kreditlinie"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw>
  rdfs:label "Standard-Thesaurus Wirtschaft"@de, "STW Thesaurus for Economics"@en ;
  skos:prefLabel "Standard-Thesaurus Wirtschaft"@de, "STW Thesaurus for Economics"@en ;
  a void:Dataset, skos:ConceptScheme .

<https://data.gesis.org/thesoz/concept_10040501>
  rdfs:label "credit"@en, "Kredit"@de ;
  skos:prefLabel "credit"@en, "Kredit"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4032923-9
  rdfs:label "Kredit"@de ;
  skos:prefLabel "Kredit"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4133705-0
  rdfs:label "Passivkredit"@de ;
  skos:prefLabel "Passivkredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/10019-1>
  rdfs:label "Schulden"@de, "Debt"@en, "Verschuldung"@de, "Indebtedness"@en ;
  skos:prefLabel "Schulden"@de, "Debt"@en ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/12251-1> .

zbwext:Descriptor
  rdfs:label "Descriptor"@en ;
  a owl:Class .

<http://zbw.eu/stw/descriptor/10812-4>
  rdfs:label "International credit"@en, "Auslandskredit"@de, "Internationaler Kredit"@de, "International lending"@en, "Internationale Kreditpolitik"@de, "Internationale Kreditvergabe"@de ;
  skos:prefLabel "International credit"@en, "Internationaler Kredit"@de ;
  a zbwext:Descriptor, skos:Concept ;
  skos:broader <http://zbw.eu/stw/descriptor/12251-1> .

skos:narrowMatch
  rdfs:subPropertyOf skos:narrower, skos:mappingRelation ;
  skos:definition "skos:narrowMatch is used to state a hierarchical mapping link between two conceptual resources in different concept schemes."@en ;
  rdfs:label "has narrower match"@en .

<http://zbw.eu/stw/thsys/187370>
  skos:narrower <http://zbw.eu/stw/descriptor/12251-1> ;
  skos:prefLabel "V.05.01  Money and monetary system"@en, "V.05.01  Geld und Währungssystem"@de ;
  rdfs:label "Geld und Währungssystem"@de, "Money and monetary system"@en, "V.05.01  Money and monetary system"@en, "V.05.01  Geld und Währungssystem"@de ;
  a zbwext:Thsys, skos:Concept ;
  skos:notation "V.05.01" .

<http://zbw.eu/stw/descriptor/12250-3>
  rdfs:label "Revolvierender Kredit"@de, "Revolving credit"@en, "Revolving-Kredit"@de, "Kontokorrentkredit"@de, "Overdraft facility"@en, "Überziehungskredit"@de, "Dispositionskredit"@de ;
  skos:prefLabel "Revolving credit"@en, "Revolvierender Kredit"@de ;
  a skos:Concept, zbwext:Descriptor ;
  skos:broader <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4121227-7
  rdfs:label "Eurokredit"@de ;
  skos:prefLabel "Eurokredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

skos:prefLabel
  rdfs:subPropertyOf rdfs:label ;
  skos:definition "The preferred lexical label for a resource, in a given language."@en ;
  rdfs:comment """skos:prefLabel, skos:altLabel and skos:hiddenLabel are pairwise
      disjoint properties."""@en, "The range of skos:prefLabel is the class of RDF plain literals."@en, "A resource has no more than one value of skos:prefLabel per language tag."@en ;
  rdfs:label "preferred label"@en .

gnd:4011058-8
  rdfs:label "Darlehensvertrag"@de, "Darlehen"@de ;
  skos:prefLabel "Darlehen"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/thsys/71045>
  rdfs:label "Fremdfinanzierung"@de, "B.02.01.02  Fremdfinanzierung"@de, "Debt financing"@en, "B.02.01.02  Debt financing"@en ;
  skos:prefLabel "B.02.01.02  Debt financing"@en, "B.02.01.02  Fremdfinanzierung"@de ;
  skos:narrower <http://zbw.eu/stw/descriptor/12251-1> ;
  a skos:Concept, zbwext:Thsys ;
  skos:notation "B.02.01.02" .

skos:inScheme
  skos:definition "Relates a resource (for example a concept) to a concept scheme in which it is included."@en ;
  rdfs:label "is in scheme"@en .

gnd:4318121-1
  rdfs:label "Bankkredite"@de, "Bankkredit"@de ;
  skos:prefLabel "Bankkredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4180128-3
  rdfs:label "Schuldscheindarlehen"@de ;
  skos:prefLabel "Schuldscheindarlehen"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4263479-9
  rdfs:label "Kreditaufnahme"@de, "Kredit / Aufnahme"@de, "Kreditnehmer / Kreditaufnahme"@de ;
  skos:prefLabel "Kreditaufnahme"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4145805-9
  rdfs:label "Blankokredit"@de ;
  skos:prefLabel "Blankokredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/18696-3>
  rdfs:label "Theory of credit"@en, "Kredittheorie"@de ;
  skos:prefLabel "Theory of credit"@en, "Kredittheorie"@de ;
  a zbwext:Descriptor, skos:Concept ;
  skos:related <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4168138-1
  rdfs:label "Lombardkredit"@de ;
  skos:prefLabel "Lombardkredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://eurovoc.europa.eu/285>
  skos:exactMatch <http://zbw.eu/stw/descriptor/12251-1> ;
  skos:prefLabel "credit"@en, "Kredit"@de ;
  rdfs:label "credit facility"@en, "Kreditmechanismus"@de, "Bankdarlehen"@de, "credit system"@en, "Kreditgewährung"@de, "Kredit"@de, "Kreditsystem"@de, "credit"@en, "Bankkredit"@de .

wd:Q189539
  rdfs:label "money loan"@en, "monetary loan"@en, "loan"@en, "Darlehen"@de ;
  skos:prefLabel "loan"@en, "Darlehen"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/29632-4>
  rdfs:label "Notleidender Kredit"@de, "Non-performing loans"@en, "Notleidende Kredite"@de, "Distressed debt"@en, "NPL (Non-performing loans)"@en, "Non-performing loan"@en ;
  skos:prefLabel "Non-performing loan"@en, "Notleidender Kredit"@de ;
  a zbwext:Descriptor, skos:Concept ;
  skos:broader <http://zbw.eu/stw/descriptor/12251-1> .

<http://aims.fao.org/aos/agrovoc/c_1954>
  rdfs:label "credit"@en, "Kredit"@de ;
  skos:prefLabel "credit"@en, "Kredit"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://eurovoc.europa.eu/2606>
  rdfs:label "loan"@en, "Gewährung eines Darlehens"@de, "bank loan"@en, "Darlehen"@de ;
  skos:prefLabel "loan"@en, "Darlehen"@de ;
  skos:closeMatch <http://zbw.eu/stw/descriptor/12251-1> .

skos:Concept
  rdfs:label "Concept"@en ;
  a owl:Class .

skos:broader
  rdfs:subPropertyOf skos:broaderTransitive ;
  skos:definition "Relates a concept to a concept that is more general in meaning."@en ;
  rdfs:comment "Broader concepts are typically rendered as parents in a concept hierarchy (tree)."@en ;
  rdfs:label "has broader"@en .

skos:narrower
  rdfs:subPropertyOf skos:narrowerTransitive ;
  skos:definition "Relates a concept to a concept that is more specific in meaning."@en ;
  rdfs:comment "Narrower concepts are typically rendered as children in a concept hierarchy (tree)."@en ;
  rdfs:label "has narrower"@en .

gnd:4570114-3
  rdfs:label "Mittelfristiger Kredit"@de ;
  skos:prefLabel "Mittelfristiger Kredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

<https://data.gesis.org/thesoz/concept_10040499>
  rdfs:label "loan"@en, "Darlehen"@de ;
  skos:prefLabel "loan"@en, "Darlehen"@de ;
  skos:exactMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:7754184-4
  rdfs:label "Endfälliges Darlehen"@de, "Fälligkeitsdarlehen"@de, "Festdarlehen"@de, "Tilgungsaussetzungsdarlehen"@de, "Tilgungsfreies Darlehen"@de ;
  skos:prefLabel "Endfälliges Darlehen"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/18178-4>
  rdfs:label "Debt repayment"@en, "Loan repayment"@en, "Schuldentilgung"@de, "Darlehenstilgung"@de, "Rückzahlung von Krediten"@de, "Tilgungsrechnung"@de, "Kredittilgung"@de, "Rückerstattung von Krediten"@de ;
  skos:related <http://zbw.eu/stw/descriptor/12251-1> ;
  a skos:Concept, zbwext:Descriptor ;
  skos:prefLabel "Kredittilgung"@de, "Loan repayment"@en .

skos:altLabel
  rdfs:subPropertyOf rdfs:label ;
  skos:definition "An alternative lexical label for a resource."@en ;
  rdfs:comment "skos:prefLabel, skos:altLabel and skos:hiddenLabel are pairwise disjoint properties."@en, "The range of skos:altLabel is the class of RDF plain literals."@en ;
  rdfs:label "alternative label"@en .

gnd:4162251-0
  rdfs:label "Investitionskredit"@de, "Anlagekredit"@de ;
  skos:prefLabel "Investitionskredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4165568-0
  rdfs:label "Kreditantrag"@de, "Kredit / Antrag"@de ;
  skos:prefLabel "Kreditantrag"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4131401-3
  rdfs:label "Grosskredit"@de ;
  skos:prefLabel "Grosskredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/13780-4>
  rdfs:label "Verbraucherkreditrichtlinie"@de, "Consumer credit"@en, "Consumer instalment credit"@en, "VerbrKrG"@de, "Buy now pay later"@en, "Ratenkredit"@de, "Abzahlungskredit"@de, "Konsumentenkredit"@de, "BNPL"@en, "Verbraucherkreditrecht"@de, "Teilzahlungskredit"@de, "Verbraucherkredit"@de, "Deferred payment credit"@en, "Consumer loan"@en ;
  a skos:Concept, zbwext:Descriptor ;
  skos:prefLabel "Consumer credit"@en, "Verbraucherkredit"@de ;
  skos:broader <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/19399-4>
  skos:broader <http://zbw.eu/stw/descriptor/12251-1> ;
  rdfs:label "Öffentliches Kreditprogramm"@de, "Öffentliche Darlehensvergabe"@de, "Staatliche Kreditförderung"@de, "Öffentliche Kreditvergabe"@de, "Public lending program"@en, "Public credit programme"@en ;
  skos:prefLabel "Public credit programme"@en, "Öffentliches Kreditprogramm"@de ;
  a skos:Concept, zbwext:Descriptor .

gnd:4165580-1
  rdfs:label "Kreditkauf"@de ;
  skos:prefLabel "Kreditkauf"@de ;
  skos:relatedMatch <http://zbw.eu/stw/descriptor/12251-1> .

skos:related
  rdfs:subPropertyOf skos:semanticRelation ;
  skos:definition "Relates a concept to a concept with which there is an associative semantic relationship."@en ;
  rdfs:comment "skos:related is disjoint with skos:broaderTransitive"@en ;
  rdfs:label "has related"@en .

gnd:4166702-5
  rdfs:label "Langfristiger Kredit"@de ;
  skos:prefLabel "Langfristiger Kredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4277815-3
  rdfs:label "Buchkredit"@de ;
  skos:prefLabel "Buchkredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4173893-7
  rdfs:label "Personalkredit"@de ;
  skos:prefLabel "Personalkredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

gnd:4120969-2
  rdfs:label "Bankdarlehen"@de ;
  skos:prefLabel "Bankdarlehen"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

skos:relatedMatch
  rdfs:subPropertyOf skos:related, skos:mappingRelation ;
  skos:definition "skos:relatedMatch is used to state an associative mapping link between two conceptual resources in different concept schemes."@en ;
  rdfs:label "has related match"@en .

gnd:7524757-4
  rdfs:label "Barkredit"@de ;
  skos:prefLabel "Barkredit"@de ;
  skos:broadMatch <http://zbw.eu/stw/descriptor/12251-1> .

<http://zbw.eu/stw/descriptor/29630-1>
  rdfs:label "Umgekehrte Hypothek"@de, "Umkehrhypothek"@de, "Immobilienverrentung"@de, "Equity release"@en, "Reverse mortgage"@en ;
  skos:prefLabel "Reverse mortgage"@en, "Umkehrhypothek"@de ;
  skos:broader <http://zbw.eu/stw/descriptor/12251-1> ;
  a zbwext:Descriptor, skos:Concept .